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Cards for Bad Credit

In normal circumstances, if you have a bad or non-existent credit score you will likely struggle to get a standard credit card. However, many credit card issuers understand that circumstances can change for some people meaning that they are now in a position to use credit sensibly and build a credit rating using a card for bad credit (also known as a credit building card). Most issuers now offer a credit card for those people battling with a previous bad credit history, but at a price. Read more...>

Product Name Balance Transfer Intro Purchases
Intro
Representative
APR (variable)
Rewards
 
  • 60 second application response - credit limit up to £1,500
  • Most popular credit building credit card
  • Best for applicants who want to build or rebuild their credit rating
Representative Example: 34.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 34.94% p.a. (variable)
Capital One Classic application
  • Credit limit up to £1,600
  • Manageable monthly payments
  • Best for applicants who want to rebuild their credit rating - not currently open to those new to credit
Representative Example: 35.9% APR representative (variable). Based on a credit limit of £1,200 and a purchase rate of 35.95% p.a. (variable)
Aqua application
  • Fixed credit limit to help you stay in control
  • Free fraud monitoring
  • Best for applicants who want to build or rebuild their credit rating
Representative Example: 39.9% APR representative (variable). Based on a credit limit of £1,000 and a purchase rate of 39.94% p.a. (variable)
Vanquis Visa application

Bad Credit Credit Cards

To compensate for the possible risk, the providers offer cards for bad credit at higher rates of interest therefore, they do not form a sensible method of long-term borrowing. As long as the balance is paid off every month, the user will begin to build up a better credit rating which, in the long run, may lead to the opportunity of obtaining a standard card with better rates.

Cards for bad credit offer access to funds, the chance to purchase items online or on the phone, and an opportunity to rebuild your credit rating (as long as the balance is met on time).

Cards for bad credit often have some additional features such as no annual fee, the opportunity to increase the credit limit after a few months and security safeguards such as warnings for unusual card activity.

Top Tips for Bad Credit Credit Cards

  • Even if you have previously been refused for a standard card you may be able to get a card for bad credit
  • Further improve your credit score by paying your bills on time.
  • Cards for bad credit are ideal if you have credit problems over 12 months old, are new to credit or self employed
  • The card will initially come with a low credit rating but this can increase after time
  • If you can, try to pay off your bill in full each month to avoid high Interest rates.
Product Offers
Please ensure that you fully read the terms & conditions of any product or policy before you decide to proceed and are fully aware of the total costs and the benefits and any exclusions or limitations applicable to the product or plan.

Please note that the product links will take you direct to the Issuer or Insurer's site direct and we cannot be held responsible for the information which they provide within their own sites. On some comparison tables we use a star rating which rates products by visitor popularity.

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